The defendant shall be innocent.

1. The Defendant, using an opportunity to be insured, received a relatively easy hospital for a disease that can be sufficiently treated by hospital members for the purpose of receiving insurance proceeds, such as hospital expenses and health expenses, rather than taking advantage of the opportunity to be insured, or, even if it is a disease requiring hospital treatment, he/she received a long-term hospital treatment for more than necessary, received hospital treatment, and then submitted the relevant documents to an insurance company to receive insurance proceeds, including a certificate of hospitalization indicating that he/she had received proper hospital treatment at the time of discharge, and submitted to the insurance company.

On December 21, 1999, the Defendant entered into a life insurance contract with KIB (insured A, monthly insurance premium of 56,800 won, and 10,000 won per day to 3 days but more than 4 days of hospitalization, and 2,000,000 won to 31 days of hospitalization, and 30,000 won to 30,000 won of health expenses at the time of hospitalization. From around January 7, 200, the Defendant entered into a traffic safety insurance contract with KIBA (the insured worker’s insurance premium of 21,600 won per month, 20,000 won per day to 30,000 won for hospitalization, 30,000 won for more than 0,000 won per day to 30,000,000 won for hospitalization, 30,000,000 won for more than 4,000 won per day to 30,005.

After entering into an insurance contract as above on March 31, 2010, the Defendant complained of the shoulder pains, etc. from the D Council members located in Seocheon-si C, and was hospitalized thereafter on April 21, 2010.